- BMW 328xi car insurance rates average $2,008 per year (about $167 per month) for full coverage, but can vary based on the age of the rated driver.
- Ranked 13th out of 26 other models in the 2017 small luxury car class, car insurance rates for the BMW 328xi cost $213 less than the overall national average car insurance rate.
How much does BMW 328xi insurance cost?
BMW 328xi insurance rates cost an average of $2,008 yearly, or $167 a month. Drivers can expect to pay approximately $213 less per year than the all-vehicle national average of $2,221.
The chart below details average full coverage insurance rates on a 2017 BMW 328xi for some of the more common policy scenarios.
The data below breaks down average insurance rate data for a BMW 328xi from the 2013 to 2017 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2017 BMW 328xi | $2,008 | $167 |
| 2016 BMW 328xi | $2,000 | $167 |
| 2015 BMW 328xi | $1,582 | $132 |
| 2014 BMW 328xi | $1,702 | $142 |
| 2013 BMW 328xi | $1,752 | $146 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all BMW 328xi trim levels for each model year. Updated June 27, 2025
Is BMW 328xi car insurance expensive?
The BMW 328xi ranks 13th out of 26 comparison vehicles in the 2017 small luxury car class for car insurance affordability. When compared to other compact luxury models, insurance rates for a BMW 328xi cost $138 more per year than the BMW 330i, $28 less than the Mercedes-Benz C300, and $122 more than the Volvo S60.
The chart displayed below shows how well car insurance rates for the BMW 328xi compare to the top 10 selling small luxury cars in the United States like the Acura TLX, Audi A4, and the Lexus IS 350. A more comprehensive data table is included after the chart that breaks down average car insurance prices for all 26 vehicles in the 2017 small luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura TLX | $1,806 | -$202 |
| 2 | BMW 230i | $1,848 | -$160 |
| 3 | BMW 330i | $1,870 | -$138 |
| 4 | Volvo S60 | $1,886 | -$122 |
| 5 | BMW 320i | $1,888 | -$120 |
| 6 | Audi S3 | $1,890 | -$118 |
| 7 | Alfa Romeo Giulia | $1,922 | -$86 |
| 8 | BMW 328d | $1,926 | -$82 |
| 9 | BMW 330xi | $1,952 | -$56 |
| 10 | Lexus RC 350 | $1,970 | -$38 |
| 11 | BMW 330e | $1,978 | -$30 |
| 12 | BMW i3 | $1,992 | -$16 |
| 13 | BMW 328xi | $2,008 | -- |
| 14 | Mercedes-Benz C300 | $2,036 | $28 |
| 15 | Cadillac ATS | $2,048 | $40 |
| 16 | Audi A4 | $2,054 | $46 |
| 17 | BMW M240i | $2,056 | $48 |
| 18 | Lexus IS 350 | $2,066 | $58 |
| 19 | Mercedes-Benz B250E | $2,068 | $60 |
| 20 | Mercedes-Benz AMG SLC43 | $2,072 | $64 |
| 21 | Lexus RC 200T | $2,082 | $74 |
| 22 | Lexus IS 200T | $2,088 | $80 |
| 23 | Audi RS 3 | $2,166 | $158 |
| 24 | Lexus CT 200H | $2,192 | $184 |
| 25 | BMW 340i | $2,256 | $248 |
| 26 | Lexus GS 200T | $2,280 | $272 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2017 model year. Updated June 27, 2025
Additional rates and policy insights
A few additional observations concerning 328xi insurance cost include:
- Obey driving laws to save money. To pay the cheapest BMW 328xi insurance rates, it pays to drive safely. As few as two traffic violations can potentially raise policy rates as much as $542 per year. Serious misdemeanors such as a DUI could raise rates by an additional $1,886 or more.
- Getting older pays dividends in cheaper insurance. The difference in insurance rates for a 2017 BMW 328xi between a 60-year-old driver ($1,670 per year) and a 30-year-old driver ($2,134 per year) is $464, or a savings of 24.4%.
- Policy discounts mean cheaper 328xi insurance. Discounts may be available if the insured drivers are senior citizens, drive low annual mileage, work in certain occupations, choose electronic billing, are accident-free, or many other discounts which could save the average driver as much as $342 per year on BMW 328xi insurance.
- BMW 328xi insurance rates for teenagers are high. Average rates for full coverage 328xi insurance costs $7,294 per year for a 16-year-old driver, $7,043 per year for a 17-year-old driver, $6,260 per year for an 18-year-old driver, and $5,712 per year for a 19-year-old driver.
- Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $298 per year for a 40-year-old driver and $586 per year for a 20-year-old driver.
- Low deductibles will increase rates. Lowering deductibles from $500 to $250 could cost an additional $314 per year for a 40-year-old driver and $624 per year for a 20-year-old driver.
- Get cheaper rates because of your profession. Some insurance companies offer discounts for certain professions like members of the military, dentists, lawyers, firefighters, architects, nurses, and others. Being employed in a qualifying occupation may save between $60 and $183 on your annual 328xi insurance premium, depending on the age of the driver.
- Bad drivers pay more. Too frequent at-fault accidents can raise rates, potentially by an additional $2,916 per year for a 20-year-old driver and even $514 per year for a 60-year-old driver.